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radical-atom. | Cancelling unnecessary car insurance? |
In March of 2007, my mom bought a car which she pays back the loan of the car monthly. The other day she visited the car dealer (Barnes Wheaton) finding that she still has a lot she owes back. Besides paying interest, my mom wondered where all her money was going to. It was then that she found out that along with buying her car and paying for it, she also pays for two different types of insurances that she wasn’t aware of nor does she need. Because she pays for two types of insurance, instead of taking three years to pay off the car if there was no insurance, it will take her seven years. When she asked if she could cancel the insurance, the dealers said it was too late to do so. So FINALLY my question is, is there any loop holes or any way my mom can cancel her car insurance that was included with the purchase of the car?
Please and thank you
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Miss Cindy
|
take it in to see your agent |
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smokehillfarm
 |
I depends entirely on how the original sales contract (s) are worded. You need to resurrect all that paperwork and either see a lawyer (won't charge much for a simple consultation), or take your mom to Legal Aid in your local area, if she qualifies.
They probably require SOME of the insurance, regardless, which usually amounts to full coverage, so until it's paid off completely she can't just get the State minimum insurance. The current "owner" of the car (bank or finance company) wants to protect their investment in case she gets into an accident. However, if there is some wiggle room in that contract, you can probably get cheaper full-coverage insurance almost anywhere cheaper than through the dealer.
I suspect you can swap insurance companies this way and save her some money, but only a lawyer is going to be able to tell that from the original paperwork. |
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jere_hodges
 |
Has your mom maintained full coverage insurance on the car on her own policy?
I think you need to consult an attorney on this one. Your mom has been scammed bigtime. |
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car253
 |
File a complaint with the Department of Insurance or Insurance Commissioner in your state.
Your mom was scammed. She can fight back with government authorities. |
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David
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talk to a local attorney with the paper work. he/she will shake things up. |
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Chris C
|
The Insurance you are paying for as a part of the loan is likely life and disability insurance (AKA Creditor insurance). If this is the case and your dealership is telling your this, contact a lawyer immediately. There are no lookholes to get out of this becuase this insurance is a unilateral contract, meaning as long as you pay into it you are covered, but as soon as you want out, you just cancel it and there is nothing they can do about it. If the dealership won't let you cancel it, take legal action.
Furthermore, creditor insurance is not worth the money you pay for it. It's been proven on several occassions that purchasing term insurance is not only cheaper but far superior of a product. Here are some links regarding the differences and a CBC Marketplace special about how much of a sham creditor insurance sold through car dealerships really is (I would encourage you to send this to the people that sold you the car and see what they feel about taking people money for a shady product...)
http://www.asset-aid.com/bank_vs.shtml
http://www.cbc.ca/marketplace/2007/02/credit_insurance.html |
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